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Find Reverse Mortgage Specialists Near You in San Jose, CA
Compare reverse mortgage specialists in San Jose. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
San Jose, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the California before hiring.
Showing 20 reverse mortgage specialists in San Jose, CA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
InstaMortgage Inc.
4100 Moorpark Ave #221, San Jose, CA 95117
8556445626
Wonder Rates
621 Tully Rd #125, San Jose, CA 95111
4086001900
The Mortgage Outlet
200 N Almaden Blvd Suite 200, San Jose, CA 95110
4083525120
Esther Chien Mortgage - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
5105529991
C2 Financial Corporation - Shawn Sidhu
99 S Almaden Blvd #600, San Jose, CA 95113
4086108011
C2 Financial Corporation - Elva Wormley - Mortgage Broker
1930 Camden Ave #1b, San Jose, CA 95124
4086158500
First Stop Mortgage Corporation
2114 Senter Rd STE 11, San Jose, CA 95112
4089006789
Yvonne Wu & Maria Chen - The Loan Story
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
4087809991
101 Loan and Rob McCarthy - Specialist in Residential, Commercial and Reverse Mortgage Financing
Your Mortgage Guy, Eric Garnicki - C2 Financial NMLS #363191
99 S Almaden Blvd #600, San Jose, CA 95113
4082149898
Nationwide Mortgage NMLS 32417
1963 O'Toole Way, San Jose, CA 95131
9495888453
Michael Ryan & Associates
4880 Stevens Creek Blvd # 200, San Jose, CA 95129
4089861798
American Family Funding Group
1190 S Bascom Ave # 215, San Jose, CA 95128
4082976800
Community West Mortgage
6980 Santa Teresa Blvd #160, San Jose, CA 95119
4082818383
A reverse mortgage specialist in San Jose California helps homeowners aged 62 and older convert home equity into loan proceeds. California law requires borrowers to complete HUD approved counseling before obtaining a Home Equity Conversion Mortgage HECM. San Jose homeowners often use these funds to supplement retirement income or cover medical expenses while retaining home ownership.
What Does a Reverse Mortgage Specialist in San Jose Cost?
Typical costs for a reverse mortgage in California include an origination fee up to 2.5 percent of the home value, mortgage insurance premiums of 2 percent upfront and 0.5 percent annually, appraisal fees around 400 to 600 dollars, and closing costs of 2,000 to 4,000 dollars. Total costs vary by loan amount and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the eligibility requirements for a reverse mortgage in San Jose?
Borrowers must be at least 62 years old and own their home outright or have a low mortgage balance. The property must be a primary residence and meet HUD property standards. California law does not impose additional age or residency requirements beyond federal guidelines.
How does California law affect reverse mortgage proceeds?
California Civil Code Section 1923.2 requires lenders to provide a clear disclosure of loan terms and costs. Proceeds from a reverse mortgage are generally tax free as loan advances. However interest accrues and the loan balance increases over time affecting the equity available to heirs.
Can a reverse mortgage be foreclosed in California?
Yes foreclosure can occur if the borrower fails to pay property taxes or insurance or does not maintain the home. California has a non judicial foreclosure process that takes about 120 days after a notice of default. Borrowers should discuss these risks with a specialist and a HUD approved counselor.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the California.